DuelaPay is South Africa's digital lay-by platform. Shoppers reserve and pay over time, safely — merchants get structured cash flow as they go. Not a loan. No credit check. No interest.
DuelaPay's layby price lives right next to the regular price on partner merchant pages. Tap it, and you're straight into your plan — no searching, no separate checkout.
*Terms and conditions apply — refund is the amount paid, less a 1% cancellation fee.
Browsing a DuelaPay partner merchant's site, you'll see the normal cash price next to the DuelaPay price — with your deposit and monthly amount shown upfront, before you tap anything.
What the DuelaPay price covers. It's a little higher than the cash price — that difference covers your protection, the platform, and the convenience of paying from anywhere. It's shown upfront, never hidden, and 0% interest — always.
One tap takes you straight into DuelaPay with that exact item already loaded — no re-finding what you wanted, no checkout to wade through.
Pick a term from 3 to 6 months to fit your budget, and see your exact deposit and monthly amount before you commit to anything.
Pay just 25% of your DuelaPay price upfront to reserve your item. This secures the product at the merchant and kicks off your DuelaPay lay-by.
Pay your monthly installments on time via the DuelaPay app, website or EFT. Once your final payment is made, your item is released for collection or delivery.
As a DuelaPay merchant partner, you get structured cash-flow access as plans progress and never touch instalment management again.
Generate a unique DuelaPay link for each product from your merchant portal, and paste it next to your existing price. No plugin, no SDK, no checkout integration.
When a shopper taps your DuelaPay price, they land directly in DuelaPay with your product already loaded — choosing their term and paying their deposit before they ever reach a checkout page.
Stock stays yours to protect: Goods are held (not shipped) until full payment is received by DuelaPay. You release the item only on final payment confirmation.
The moment the shopper's deposit is confirmed, your first payout lands in your merchant account — and it keeps releasing as the plan is paid off. How much lands upfront depends on your trust tier: the longer and cleaner your track record, the more of each instalment you get immediately. Every merchant is paid in full — tier only changes how fast.
DuelaPay handles all installment collection, payment reminders, arrears management and shopper communication. You focus on your business.
DuelaPay is fundamentally different from traditional BNPL — because we built it around financial fairness, not profit from debt.
| Feature | Traditional BNPL | DuelaPay |
|---|---|---|
| Interest charges | Often 15–30% p.a. if not paid on time | 0% interest — always, on every purchase |
| Credit check required | Yes — hard inquiry on your credit record | No credit check — ever |
| Goods received upfront | Yes — creating immediate debt pressure | Goods released after final payment |
| Risk of debt spiral | High — late fees and interest compound quickly | Low — zero interest, transparent flat fees for exceptions only |
| Hidden fees | Late fees, account fees, processing fees common | Zero hidden fees — your DuelaPay price is shown upfront, in full, before you commit |
| Financially inclusive | Excludes those with poor or no credit history | Accessible to all — no credit history needed |
| Fees for missed payments & extensions | Late fees + penalty interest compound fast | Small flat fee only — 3.5% missed payment · 3.5% extension/transfer · 1% cancellation* |
*Percentages to be finalised.
Join thousands of South Africans shopping smarter — or become one of our merchant partners and turn your lay-by into managed cash flow.
